Preview
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024
ALLONGE TO NOTE
Statement of Purpose: This Note Allonge is attached to and made a part of the Note, for the purpose of
Noteholder Endorsement to evidence a transfer of interest.
TERMS OF THE NOTE
Note Date 2/26/2007
Borrower(s): CYNTHIA STAUNCHES
DAVID STAUNCHES
Original Lender: Quicken Loans, Inc.
Original Loan Amount: $ 170500
Property Address: 196 SANFORD ST, GLENS FALLS, NY 12801
Loan Number(s):
PAY TO THE ORDER OF:
WITHOUT RECOURSE
Quicken Loans, LLC fka Quicken Loans Inc.
by: NewRez LLC d/b/a Shellpoint Mortgage Servicing, as attorney in fact
Tiffany Klimkowski, Vice President
NoteAlloo
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024
MERS MIN:
Staunches, Cynthia
February 21, 2007 Glens Falls NY
[Date] [City] [State]
196 Sanford St
Glens Falls, NY 12801
[Property Address]
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I promise to pay U.S. $170,500.00 (this amount is called "Principal"),
plus interest, to the order of the Lender. The Lender is Qui Cken toans Inc.
I will make all payments under this Note in the form of cash, check or money order.
I understand that the Lender may transfer this
Note. The Lender or anyone who takes this Note by transfer and who is
Holder."
entitled to receive payments under this Note is called the "Note
2. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly
rateof 6.625%.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B)
of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making a payment every month.
I will make my monthly payment on the 1st day of each month beginning on April 1, 2007 .Iwill
make these payments every month until I have paid all of the principal and interest and any other charges described below that I
may owe under this Note.
monthly Each payment will be applied as of its scheduled due date and will be applied to interest
before Principal. If, on
March 1, 2037 , I still owe amounts under this Note, I will pay those amounts in full on
Date."
that date, which is called the "Maturity
I will inake my monthly payments at P.0. Box 553154, Detroit, MI 48255-3154
or at a different place if required by the Note Holder.
(B) Amount of Monthly Payments
My monthly payment will be in the amount of U.S. $ 1,091.74
4. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a
"Prepayment."
When I make a Prepayment, I will tell
the Note Holder in writing that I am doing so. I may not designate a
payment as a Prepayment if I have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my
Prepayments to reduce the amount of Principal that I owe under this Note. However,
may apply my the Note Holder
Prepayment to the accrued and unpaid interest on the Prepayment before
my Prepayment
amount,
applying to reduce the
Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my
monthly payment unless the Note Holder agrees in writing to those changes.
D RATE NOTE-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
-5N(NY) tooos) Form 3233 1/01
VMPMORTGAGE FORMS- (800)521-729
Page1 of 3 Initials:
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024
5. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other
loan charges collected or to be collected in connection with this loan exceed the permitted (a) any such loan charge limits, then:
shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from
me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the
Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated
as a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of Fi fteen calendar days
after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 2.000 % of
my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(C) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a
certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all
the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or
delivered by other means.
(D) No Waiver By Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required
me to pay immediately in full as described above, the Note Holder will have the right to
be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those
attorneys'
expenses include, for example, reasonable fees.
7. GIVING OF NOTICES
Unless law requires
applicable a different method, any notice that must be given to me under this Note will be given by
delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note
Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first
class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that
different address.
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person
and personally to keep all of the promises
is fully
obligated made in
this Note, including to pay the full amount owed.
the promise Any person who is a guarantor, surety or endorser of this Note is
also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety
or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights
under this Note against each person individually or against all of us together. This means that any one of us may be required to
pay all of the amounts owed under this Note.
9. WAIV ERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment" Dishonor"
means the right to require the Note Holder to demand payment of amounts due. "Notice of means the
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
Form 3 /01
-5N(NY) (o005) Page2 of a initials:
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the
Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as
this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this
Note. That
Security Instrument describes how and under what conditions I may be required to make immediate payment in full
of all amounts I owe under this Note. Some of those conditions are described as follows:
Lender may require immediate payment in full of all Sums Secured by this Security Instrument if all or
any part of the Property, or if any right in the Property, is sold or transferred without Lender's prior written
permission. If Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred
without Lender's prior written permission, Lender also may require immediate payment in full. However, this
option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender requires immediate payment in full under this Section 18, Lender will give me a notice which
states this réquirement. The notice will give me at least 30 days to make the requiredpayment. The 30-day
period will begin on the date the notice is given to me in the manner required by Section 15 of this Security
Instrument. If I do not make the required payment during that period, Lender may act to enforce its rights
under this Security Instrument without giving me any further notice or demand for payment.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
02/21/2007 (Seal) 02/21/2007 (Seal)
Cynt la Staunches -Borrower David Staunches -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
[Sign Original Only]
-5N(NY) (O005) Page3 of 3 Form 3233 1/01
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 WARREN COUNTY RECEIVED NYSCEF: 03/25/2024
PAMELA J. VOGEL
DOCUMENT : 0000239 4
COUNTY CLERK
6)23C700002394
instrument Number: 2007-00002394
As
Recorded On: March 08, 2007 Mortgage
Parties: STAUNCHES CYNTHIA
To
QUICKEN LOANS INC Billable Pages: 18
Recorded By: TITLE SOURCE INC Num Of Pages: 19
Comment:
** **
Examined and Charged as Follows:
Mor.gage BO.00 Cover Page 5.00
Recording Charge: 85,00
Censiderat:oo
Amount Amount RS#/CS#
Mortgage Tax 1 680.00 170.500 00 CX 4529 Basic 852 50
GLENS FAL-S CITY Specal Ade:ional 426 ?5
Additonal 401 25 'ansfer
Tax Charge: 1,680.00
REitRDEC
i.ounts Clerks Dic -e
to OEr20f9 92 47P
Falo J. h
Warren f ounts Chik
** "
THIS PAGE IS PART OF THE INSTRUMENT
I hereby certify that the within and foregoing was recorded in the Clerk's Office For: WARREN COUNTY. NY
File Information: Record and Return To:
Document Number: 2007-00002394 TITLE SOURCE INC
Receipt Number. 26947 1450 W LONG LAKE ROAD
Recorded Date/Time: March 08, 200702:47:06P SUITE 400
Book-Vol/Pg: Bk-RP Vl-3211 Pg-166 TROY MI 48098
Cashier / Station: P Vogel / Cash Station 1
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024
d 5 3r Labby
_t .. .,
²
i
Source Inc.
.0ng Lake Rd
Su1te 400
Prepared Bv:
L1rdsay Garg
1Space Above This Line For Recording Datal
MORTGAGE u1
WORDS USED OFFEN IN THIS DOCUMENT
Instrument." This which is dated 21. 40
(A) "Security document, February
together with all Riders to this document, w) be called the "Security instrument.
(B)"norrower." David wi re arc hugwid
Cynthid Staunches and Staunches,
- within described
The
are or are to be
premises
improved I or 2 family
by
residence or dwelling only
whose address is 196 Sanford St. Glens Fal ls. NY : 12801
"Borrower" "I" "me."
sometimes will be called and sometimes simply or
"MERS" Electronic Registration Inc. MERS is a separate corporation that is
(C) is Mortgage Systems,
for Leader and Leader's successors and assigns, MERS is organized and
acting solely as a nominee
existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint,
MI 48501-2026, tel. (888) 679-MERS. FOR PURPOSES OF RECORDING THIS MORTGAGE,
MERS IS THE MORTGAGEE OF RECORD.
(D)"Lender."
QUi Cken Loans Inc.
'Lender." association which exists ander the laws of
will be called Lender is a corporation or
the State of Michi gan . Lender's address is
20555 Victor Parkway. Li von e. MI 48152
Section; Block: Lot: Unit:
NEW YORK - S rg e Farntv - Fannia Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3032 1/01
-6A{NY1 1060a1.o1
VMPMorggage Ir
Sc1uti.0ms.
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 N-M RECEIVED
0000 239 I-
NYSCEF: 03/25/2024
DOC Ut1E
VOLUnE: 3211 PAGE: 168
and dated 21, 2007 , willbecalled
(E) "Note The note signed by Borrower February
"Note." Lender one Hundred Thousand Five
the The Note shows that I owe Seventy
Hundred and 00/100
Dollars (U.S. $170.500.00 )
that may be payable. I have promised to pay this debt in Periodic Payments
plus interest and other amounts
and to pay the debt in full by M8 FCh 1. 2037
Property,"
" titled "Description
that is described below in the section of the
(F) "Property The property
"Property."
will be called the
"Loan." "Loan" charges and
(G) The means the debt evidenced by the Note, plus interest, any prepayment
late charges due under the Note, and all sums due under this Security Instrumem, plus imerest.
Secured." The arnounts described below in the section titled "Borrower's Transfer to Lender of
(H) "Sums Secured."
Property" the "Sums
Rights in the sometimes will be called
"Riders." Instrument that are signed by Borrower will be called
(I) All Riders attached to this Security
" Borrower [check box as applicable]:
"Riders The following Riders are to be signed by
Adjustable Rate Rider Condominium Rider Second Home Rider
Balloon Rider Planned Unit Development Rider I-4 Family Rider
VA Rider Biweekly Payment Rider DpÜ Other(s) [specify]
LegaI Attached
Law." applicabic federal, state and local statutes, regulations, ordinances
(J) "Applicable All controlling
administrative rules and orders (that have the effect of law) as well as all applicable final
and
Law."
non-appealable, judicial opinions will be called "Applicable
Assessments." assessments other
Association and All dues, fees, and
(K) "Community Dues, fees,
on Borrower or the by a condominium association, homeowners
charges that are imposed Property "
association or similar organization will be called "Community Association Dues, Fees, and Assessments
Transfer." Transfer"
(L) "Electronic Funds "Electronic Funds means any transfer of money, other than
or similar paper instrumem. which is initiated through an electronie terminal, telephonic
by check, draft,
or magnetic lape so as to order, instruct, or authorize a financial institution to debit
instrurnent, computer,
common examples of an Electronic Funds Transfer are point-of-sale transfers
or credit an account. Some
(where a card such as an asset or debit is used at a merchant),
card automated teller machine (or ATM)
transfers initiated wire
transfers, and atuomated clearinghouse transfers.
transactions, by telephone, hems."
Items." will be called "Escrow
(M) "Escrow Those items that are described in Section3
Proceeds." Proceeds" award of
"Miscellaneous means any compensation. settlement,
(N) "Miscellaneous
lhird (other than Insurance Proceeds, as defined in, and paid under
damages. or proceeds paid by any party
described in Section for: (i) damage to, or destruction of, the Property; (ii) Condemnation
the coverage 5)
(iii) conveyance in lieu of Condemnation or sale to avoid
or other taking of all or any part of the Property:
or misrepresentations of, or omissions as to. the value and/or condition of the
Condemnation; (iv)
domain is known as
Property. A taking of the Property by any governmental authority by eminem
"Condemnation."
" "Mongage Insurance" Lender against the
"Mortgage Insurance rneans insurance protecting
(0)
nonpayment of. or default on. the Loan,
Payment." The regularly scheduled amoutu due for (i) principal and interest under the Note,
(P) "Periodic
Payment."
and (ii) any amounts under Section 3 will be called "Periodic
"RESPA." "RESPA" Procedures Act (12 U.S.C. Section 2601 et
(Q) means the Real Estate Settlernem
Regulation X (24 C.F.R. Part 3500), as they might be amended
seq.) and its implementing regulation,
or additional or successor legislation or regulation that governs the same subject
from time to time. any "RESPA" that are
matter. As used in this Security Instrumem, refers to all requirements and restrictions
loan" as a
imposed is regard to a "federally related mongage even if the Loan does not qualify "federally
. related mortgage loan under RESPA.
Page2 of I 7 Form 3033 U01
-6A(NY) ·c5as
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440
NYSCEF DOC. NO. 5 DOCUNFNT©
RECEIVED NYSCEF: 03/25/2024
0000239 4
VOLUME: 3211 PAGE: 16
BORROWER'S TRANSFERTO LENDEROF RIGHTS IN THE PROPERTY
I mortgage, grant and convey the Property to MERS (solely as nominee for Lender and Leader's
successors in interest) and its successors in interest subject to the terms of this Security Instrurnent. This
means that, by signing this Security Instrument, I am giving Lender those rights that are stated in this
Instrument and also those rights that Applicable Law gives to lenders who hold mortgages on real
Security
property. 1 am giving Irnder these rights to protect Lender from possible losses that might result if I fail
to;
as stated in the Note including, but not limited to, all renewals,
(A) Pay all the amounts that I owe Leader
extensions and modifications of the Note;
Instrument toprotect the value
(B) Pay. with interest, any amounts thal Lender spends under this Security
of the Property and Lender's rights in the Property; and
(C) Keep all of my other promises and agreements under this Security Instrument and the Note.
I understand and agree that MERS holds ordy legal title to the rights granted by me in this Security
Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's
successors and assigns) has the right:
but not limited to, the right to foreclose and sell the
(A) to exercise any or all of those rights. including,
Property; and
of Lender but not limited and canceling this
(B) to take any action required including, to, releasing
Security Instrument.
DESCRIPTIONOF THE PROPERTY
I give MERS as nominee for l ender and Leader's successors in interest) rights in the Property
(solely
described in (A) through (G) below;
(A) The Property which is located at 196 Sanford St
strecq
Glens Fal 1s |city, rown or village). New York 12801 lap cooei.
This Property is in Warren County. It has the following legal
description:
"A"
SEE EXHIBIT ATTACHED HERETO AND MADE A PART HERE0F.
SUBJECT TO COVENANTS OF RECORD.
and other improvements that are located on the Property described in subsection (A) of
(B) All buildings
this section;
(C) All rights in other property that I have as owner of the Property described in subsection (A) of this
Property:"
section. These rights are known as "casements and appurtenances attached to the
which lies in the streets or roads in front of, or next to, the Property
(D) AB rights that I bave in the land
described in subsection (A) of this section;
o Page3 of n form 3033 1/05
6A(NY} m
FILED: WARREN COUNTY CLERK 03/25
Preview
FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024 ALLONGE TO NOTE Statement of Purpose: This Note Allonge is attached to and made a part of the Note, for the purpose of Noteholder Endorsement to evidence a transfer of interest. TERMS OF THE NOTE Note Date 2/26/2007 Borrower(s): CYNTHIA STAUNCHES DAVID STAUNCHES Original Lender: Quicken Loans, Inc. Original Loan Amount: $ 170500 Property Address: 196 SANFORD ST, GLENS FALLS, NY 12801 Loan Number(s): PAY TO THE ORDER OF: WITHOUT RECOURSE Quicken Loans, LLC fka Quicken Loans Inc. by: NewRez LLC d/b/a Shellpoint Mortgage Servicing, as attorney in fact Tiffany Klimkowski, Vice President NoteAlloo FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024 MERS MIN: Staunches, Cynthia February 21, 2007 Glens Falls NY [Date] [City] [State] 196 Sanford St Glens Falls, NY 12801 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $170,500.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is Qui Cken toans Inc. I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is Holder." entitled to receive payments under this Note is called the "Note 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rateof 6.625%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on April 1, 2007 .Iwill make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. monthly Each payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on March 1, 2037 , I still owe amounts under this Note, I will pay those amounts in full on Date." that date, which is called the "Maturity I will inake my monthly payments at P.0. Box 553154, Detroit, MI 48255-3154 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $ 1,091.74 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, may apply my the Note Holder Prepayment to the accrued and unpaid interest on the Prepayment before my Prepayment amount, applying to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. D RATE NOTE-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT -5N(NY) tooos) Form 3233 1/01 VMPMORTGAGE FORMS- (800)521-729 Page1 of 3 Initials: FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted (a) any such loan charge limits, then: shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of Fi fteen calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 2.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those attorneys' expenses include, for example, reasonable fees. 7. GIVING OF NOTICES Unless law requires applicable a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person and personally to keep all of the promises is fully obligated made in this Note, including to pay the full amount owed. the promise Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIV ERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" Dishonor" means the right to require the Note Holder to demand payment of amounts due. "Notice of means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. Form 3 /01 -5N(NY) (o005) Page2 of a initials: FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Lender may require immediate payment in full of all Sums Secured by this Security Instrument if all or any part of the Property, or if any right in the Property, is sold or transferred without Lender's prior written permission. If Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred without Lender's prior written permission, Lender also may require immediate payment in full. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender requires immediate payment in full under this Section 18, Lender will give me a notice which states this réquirement. The notice will give me at least 30 days to make the requiredpayment. The 30-day period will begin on the date the notice is given to me in the manner required by Section 15 of this Security Instrument. If I do not make the required payment during that period, Lender may act to enforce its rights under this Security Instrument without giving me any further notice or demand for payment. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. 02/21/2007 (Seal) 02/21/2007 (Seal) Cynt la Staunches -Borrower David Staunches -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower [Sign Original Only] -5N(NY) (O005) Page3 of 3 Form 3233 1/01 FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 WARREN COUNTY RECEIVED NYSCEF: 03/25/2024 PAMELA J. VOGEL DOCUMENT : 0000239 4 COUNTY CLERK 6)23C700002394 instrument Number: 2007-00002394 As Recorded On: March 08, 2007 Mortgage Parties: STAUNCHES CYNTHIA To QUICKEN LOANS INC Billable Pages: 18 Recorded By: TITLE SOURCE INC Num Of Pages: 19 Comment: ** ** Examined and Charged as Follows: Mor.gage BO.00 Cover Page 5.00 Recording Charge: 85,00 Censiderat:oo Amount Amount RS#/CS# Mortgage Tax 1 680.00 170.500 00 CX 4529 Basic 852 50 GLENS FAL-S CITY Specal Ade:ional 426 ?5 Additonal 401 25 'ansfer Tax Charge: 1,680.00 REitRDEC i.ounts Clerks Dic -e to OEr20f9 92 47P Falo J. h Warren f ounts Chik ** " THIS PAGE IS PART OF THE INSTRUMENT I hereby certify that the within and foregoing was recorded in the Clerk's Office For: WARREN COUNTY. NY File Information: Record and Return To: Document Number: 2007-00002394 TITLE SOURCE INC Receipt Number. 26947 1450 W LONG LAKE ROAD Recorded Date/Time: March 08, 200702:47:06P SUITE 400 Book-Vol/Pg: Bk-RP Vl-3211 Pg-166 TROY MI 48098 Cashier / Station: P Vogel / Cash Station 1 FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/25/2024 d 5 3r Labby _t .. ., ² i Source Inc. .0ng Lake Rd Su1te 400 Prepared Bv: L1rdsay Garg 1Space Above This Line For Recording Datal MORTGAGE u1 WORDS USED OFFEN IN THIS DOCUMENT Instrument." This which is dated 21. 40 (A) "Security document, February together with all Riders to this document, w) be called the "Security instrument. (B)"norrower." David wi re arc hugwid Cynthid Staunches and Staunches, - within described The are or are to be premises improved I or 2 family by residence or dwelling only whose address is 196 Sanford St. Glens Fal ls. NY : 12801 "Borrower" "I" "me." sometimes will be called and sometimes simply or "MERS" Electronic Registration Inc. MERS is a separate corporation that is (C) is Mortgage Systems, for Leader and Leader's successors and assigns, MERS is organized and acting solely as a nominee existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. FOR PURPOSES OF RECORDING THIS MORTGAGE, MERS IS THE MORTGAGEE OF RECORD. (D)"Lender." QUi Cken Loans Inc. 'Lender." association which exists ander the laws of will be called Lender is a corporation or the State of Michi gan . Lender's address is 20555 Victor Parkway. Li von e. MI 48152 Section; Block: Lot: Unit: NEW YORK - S rg e Farntv - Fannia Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3032 1/01 -6A{NY1 1060a1.o1 VMPMorggage Ir Sc1uti.0ms. FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 N-M RECEIVED 0000 239 I- NYSCEF: 03/25/2024 DOC Ut1E VOLUnE: 3211 PAGE: 168 and dated 21, 2007 , willbecalled (E) "Note The note signed by Borrower February "Note." Lender one Hundred Thousand Five the The Note shows that I owe Seventy Hundred and 00/100 Dollars (U.S. $170.500.00 ) that may be payable. I have promised to pay this debt in Periodic Payments plus interest and other amounts and to pay the debt in full by M8 FCh 1. 2037 Property," " titled "Description that is described below in the section of the (F) "Property The property "Property." will be called the "Loan." "Loan" charges and (G) The means the debt evidenced by the Note, plus interest, any prepayment late charges due under the Note, and all sums due under this Security Instrumem, plus imerest. Secured." The arnounts described below in the section titled "Borrower's Transfer to Lender of (H) "Sums Secured." Property" the "Sums Rights in the sometimes will be called "Riders." Instrument that are signed by Borrower will be called (I) All Riders attached to this Security " Borrower [check box as applicable]: "Riders The following Riders are to be signed by Adjustable Rate Rider Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider I-4 Family Rider VA Rider Biweekly Payment Rider DpÜ Other(s) [specify] LegaI Attached Law." applicabic federal, state and local statutes, regulations, ordinances (J) "Applicable All controlling administrative rules and orders (that have the effect of law) as well as all applicable final and Law." non-appealable, judicial opinions will be called "Applicable Assessments." assessments other Association and All dues, fees, and (K) "Community Dues, fees, on Borrower or the by a condominium association, homeowners charges that are imposed Property " association or similar organization will be called "Community Association Dues, Fees, and Assessments Transfer." Transfer" (L) "Electronic Funds "Electronic Funds means any transfer of money, other than or similar paper instrumem. which is initiated through an electronie terminal, telephonic by check, draft, or magnetic lape so as to order, instruct, or authorize a financial institution to debit instrurnent, computer, common examples of an Electronic Funds Transfer are point-of-sale transfers or credit an account. Some (where a card such as an asset or debit is used at a merchant), card automated teller machine (or ATM) transfers initiated wire transfers, and atuomated clearinghouse transfers. transactions, by telephone, hems." Items." will be called "Escrow (M) "Escrow Those items that are described in Section3 Proceeds." Proceeds" award of "Miscellaneous means any compensation. settlement, (N) "Miscellaneous lhird (other than Insurance Proceeds, as defined in, and paid under damages. or proceeds paid by any party described in Section for: (i) damage to, or destruction of, the Property; (ii) Condemnation the coverage 5) (iii) conveyance in lieu of Condemnation or sale to avoid or other taking of all or any part of the Property: or misrepresentations of, or omissions as to. the value and/or condition of the Condemnation; (iv) domain is known as Property. A taking of the Property by any governmental authority by eminem "Condemnation." " "Mongage Insurance" Lender against the "Mortgage Insurance rneans insurance protecting (0) nonpayment of. or default on. the Loan, Payment." The regularly scheduled amoutu due for (i) principal and interest under the Note, (P) "Periodic Payment." and (ii) any amounts under Section 3 will be called "Periodic "RESPA." "RESPA" Procedures Act (12 U.S.C. Section 2601 et (Q) means the Real Estate Settlernem Regulation X (24 C.F.R. Part 3500), as they might be amended seq.) and its implementing regulation, or additional or successor legislation or regulation that governs the same subject from time to time. any "RESPA" that are matter. As used in this Security Instrumem, refers to all requirements and restrictions loan" as a imposed is regard to a "federally related mongage even if the Loan does not qualify "federally . related mortgage loan under RESPA. Page2 of I 7 Form 3033 U01 -6A(NY) ·c5as FILED: WARREN COUNTY CLERK 03/25/2024 01:14 PM INDEX NO. EF2024-72440 NYSCEF DOC. NO. 5 DOCUNFNT© RECEIVED NYSCEF: 03/25/2024 0000239 4 VOLUME: 3211 PAGE: 16 BORROWER'S TRANSFERTO LENDEROF RIGHTS IN THE PROPERTY I mortgage, grant and convey the Property to MERS (solely as nominee for Lender and Leader's successors in interest) and its successors in interest subject to the terms of this Security Instrurnent. This means that, by signing this Security Instrument, I am giving Lender those rights that are stated in this Instrument and also those rights that Applicable Law gives to lenders who hold mortgages on real Security property. 1 am giving Irnder these rights to protect Lender from possible losses that might result if I fail to; as stated in the Note including, but not limited to, all renewals, (A) Pay all the amounts that I owe Leader extensions and modifications of the Note; Instrument toprotect the value (B) Pay. with interest, any amounts thal Lender spends under this Security of the Property and Lender's rights in the Property; and (C) Keep all of my other promises and agreements under this Security Instrument and the Note. I understand and agree that MERS holds ordy legal title to the rights granted by me in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: but not limited to, the right to foreclose and sell the (A) to exercise any or all of those rights. including, Property; and of Lender but not limited and canceling this (B) to take any action required including, to, releasing Security Instrument. DESCRIPTIONOF THE PROPERTY I give MERS as nominee for l ender and Leader's successors in interest) rights in the Property (solely described in (A) through (G) below; (A) The Property which is located at 196 Sanford St strecq Glens Fal 1s |city, rown or village). New York 12801 lap cooei. This Property is in Warren County. It has the following legal description: "A" SEE EXHIBIT ATTACHED HERETO AND MADE A PART HERE0F. SUBJECT TO COVENANTS OF RECORD. and other improvements that are located on the Property described in subsection (A) of (B) All buildings this section; (C) All rights in other property that I have as owner of the Property described in subsection (A) of this Property:" section. These rights are known as "casements and appurtenances attached to the which lies in the streets or roads in front of, or next to, the Property (D) AB rights that I bave in the land described in subsection (A) of this section; o Page3 of n form 3033 1/05 6A(NY} m FILED: WARREN COUNTY CLERK 03/25